Federal credit union · Sayreville, New Jersey · NCUA charter #4726
Raritan Bay
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $104.8M
- Total assets
- 7,545
- Members
- 8.5%
- Net-worth ratio
Raritan Bay scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $104.8M; members 7,545; net-worth ratio 8.48%; health rank #3,556 of 4,374; healthier than 18th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,556 of 4,374 health · 2025Q4Raritan Bay · health 71/100 · $104.8M · 2025Q4
- HEALTH 71/100
- NW 8.5%
- DELQ 0.72%
- ROA 0.36%
- ASSETS $104.8M
- MEM 7,545
- RANK #3,556/4,374
- PHOTO Membersfirst Ct
- BOOK 4726
Call Report peers
Raritan Bay in the assets neighbourhood
Raritan Bay's $104.8M assets sit next to Membersfirst Ct ($104.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Raritan Bay vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Raritan Bay - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #4726, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Raritan Bay vs $100M–$500M peers
- Largest favorable gap: Delinquency Rate at 0.72% vs peer 0.89% (-0.18 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -34.82 pp (37.38% vs 72.20%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Raritan Bay sits in New Jersey
- In New Jersey, health place is #76 of 127 on the same NCUA-ratio sort used nationally.
- Assets rank #29 of 127 inside New Jersey ($104.8M reported).
- New Jersey membership ordinal: #28 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Raritan Bay's 5300 filing moved
Raritan Bay: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.2% from $104.8M (2025Q4) to $107.1M (2026Q1).
- Net-worth ratio shifted +0.06 pp (8.42% → 8.48%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.48% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 22.8 pts
- Return on Assets 12.9 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.1 pts
Raritan Bay health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.48% | -3.63 pp |
| Delinquency Rate | 0.72% | -0.18 pp |
| Return on Assets | 0.36% | -0.26 pp |
| Member Growth | -16.10% | - |
| Loan-to-Share Ratio | 37.38% | -34.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Raritan Bay quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $107.1M | - |
| 2025Q4 | $104.8M | 7,545 |
| 2024Q4 | $101.7M | 8,993 |
| 2023Q4 | $106.2M | 8,552 |
Credit Union Details
- Charter Number
- 4726
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Sayreville
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Raritan Bay.
| Office | City |
|---|---|
| Main Office (Main Office) | Sayreville, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Raritan Bay - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($104.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Raritan Bay ranks #3,556 of 4,374 nationally on financial health and #76 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SEAPORT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SEAPORT
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Raritan Bay financially healthy?
Raritan Bay scores 71/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,556 of 4,374; by total assets it ranks #1,788 of 4,374 nationally (same basis as /rankings/largest); and #29 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.48% net worth ratio and a 0.72% delinquency rate.
How does Raritan Bay compare to other credit unions?
Five weighted metrics from NCUA filings produce Raritan Bay's 71/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Raritan Bay?
Raritan Bay operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Raritan Bay directly for the exact boundaries and application steps.
Is my money safe at Raritan Bay?
Federal credit unions like Raritan Bay are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Raritan Bay's net worth ratio of 8.48% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Raritan Bay offer compared to banks?
Credit unions like Raritan Bay are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Raritan Bay directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.